Lexus IS 250 Insurance Rates

U.S. average auto insurance rates for a Lexus IS 250 are $1,502 annually with full coverage. Comprehensive insurance costs approximately $362 each year, collision insurance costs $688, and liability costs $316. A policy with just liability insurance costs as little as $376 a year, and coverage for high-risk drivers costs $3,252 or more. Teenage drivers pay the highest rates at up to $5,366 a year.

Average premium for full coverage: $1,502

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and IS 250 models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. Rural locations have fewer collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance prices.

The ranges above demonstrate why all drivers should compare rates using their specific location and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details average Lexus IS 250 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $844
• Drivers who choose higher $1,000 deductibles will pay $238 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,502
• Using low deductibles for comprehensive and collision insurance costs an additional $464 annually
• Drivers who are prone to accidents and violations could pay around $3,252
• The price with full coverage for a 16-year-old driver can cost $5,366 a year

Insurance prices for a Lexus IS 250 are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,800 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can cost from 45% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $710 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Lexus IS 250 insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,030 on average in New York, Michigan, and Florida.

Insurance Rates by Trim Level and Model Year

Rates assume 2026 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Cheap Lexus IS 250 Insurance

Getting lower rates on insurance for a Lexus IS 250 not only requires being a good driver, but also having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around every year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief summary of the coverage data touched on above.

• You may be able to save around $190 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $700 each year
• Drivers age 16 to 20 are expensive to insure, costing up to $447 a month including comprehensive and collision insurance
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,750 more per year than a safer driver